I suppose MS can do whatever they want to do and I'll do whatever I want to do.
I often get tired of a game and come back to it a year or 2 later.
I wouldn't want to be at the whim of some online catalogue which just deletes content at random. (The same thing is happening on streaming services right now, like D+)
Things looked like they were headed this direction way back when Xbone was intro'd and it was a paperweight until you got online and registered it.
That was a big problem for me since I was living on-site in a hotel at the time. MS didn't include any smarts like a web browser, so I had to go out and buy a laptop in order to SHARE the connection with the Xbone.
It was a lot of hoops to jump thru just to fire up a game console.
It was such a bad experience I traded it to a friend and got a PS4. The ps4 connected to the hotel router and allowed me to login. (But the PS4 could actually play a game right out of the box without registering it...crazy, right?.)
I have just stayed with PS since that time.
Of course, Sony is looking to go the same direction with their diskless PS5.
Once games are ONLY available in digital, my plan is to go to PC gaming where I'll have to switch to a hacked version of a game to keep it forever.
I suppose if all games go ONLINE ONLY, like buldars gate 3, then I'll no longer be a gamer.